Top Mortgage Lenders in Portage, MI

Which mortgage lender in the Portage, MI area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Portage, MI area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Portage, MI area is Arbor Financial Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.22%. This means that Arbor Financial Credit Union provided a -0.22% lower interest rate for its customers than other lenders in Portage, MI for a similar set of borrowers. Arbor Financial Credit Union has a market share of 6.5%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 9.4%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Portage, MI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Portage, MI is Arbor Financial Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Old National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Lake Michigan Credit Union. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Portage, MI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arbor Financial Credit Union 1, -0.22% 6.51%
Lake Michigan Credit Union 2, -0.17% 8.65%
Fifth Third Bank, National Association 3, -0.15% 5.92%
Navy Federal Credit Union 4, -0.15% 0.59%
Huntington National Bank 5, -0.13% 1.94%
Citizens Bank 6, -0.12% 0.76%
Ruoff Home Mortgage 7, -0.12% 2.23%
JPMorgan Chase Bank 8, -0.12% 1.40%
TCF National Bank 9, -0.11% 1.03%
Pacor Mortgage Corp 10, -0.11% 1.19%
Pnc Bank 11, -0.10% 2.38%
Marshall Community Credit Union 12, -0.10% 2.40%
OMNI Community Credit Union 13, -0.09% 0.83%
Home Point Financial Corporation 14, -0.08% 0.50%
Member First Mortgage 15, -0.08% 0.36%
Michigan State University Federal Credit Union 16, -0.08% 0.39%
Horizon Bank 17, -0.06% 1.72%
Usaa Federal Savings Bank 18, -0.06% 0.83%
Old National Bank 19, -0.05% 1.14%
Bank of America 20, -0.05% 0.41%
Mercantile Bank Of Michigan 21, -0.04% 0.82%
County National Bank 22, -0.04% 0.38%
Independent Bank 23, -0.03% 0.83%
Guaranteed Rate Inc 24, -0.02% 0.36%
Newrez 25, -0.02% 0.39%
Northpointe Bank 26, -0.02% 0.98%
Cardinal Financial Company LP 27, -0.01% 0.41%
Carrington Mortgage Services 28, -0.01% 0.56%
LoanDepot 29, -0.01% 0.75%
Mortgage 1 Incorporated 30, -0.01% 0.60%
Neighborhood Loans 31, -0.01% 0.41%
Union Home Mortgage Company 32, -0.01% 1.11%
Freedom Mortgage Corporation 33, -0.00% 0.68%
Caliber Home Loans Inc 34, 0.00% 0.45%
Wells Fargo Bank 35, 0.01% 1.42%
Cherry Creek Mortgage Co Inc 36, 0.01% 0.42%
Summit Home Mortgage 37, 0.01% 1.56%
Flagstar Bank 38, 0.02% 2.57%
United Federal Credit Union 39, 0.03% 0.35%
Mortgage Center 40, 0.03% 2.89%
Finance of America Mortgage 41, 0.04% 0.35%
Kellogg Community Credit Union 42, 0.04% 3.28%
Chemecal Bank 43, 0.05% 1.12%
Primelending 44, 0.06% 2.47%
Consumers Credit Union 45, 0.07% 8.94%
Honor Credit Union 46, 0.10% 2.81%
Quicken Loans 47, 0.10% 9.44%
Nationstar Mortgage 48, 0.15% 0.57%
Amerifirst Financial Corporation 49, 0.28% 7.86%
Success Mortgage Partners Inc 50, 0.30% 4.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.24% 4.64%
Marshall Community Credit Union 2, -0.23% 1.76%
JPMorgan Chase Bank 3, -0.20% 1.47%
Navy Federal Credit Union 4, -0.18% 0.81%
TCF National Bank 5, -0.18% 0.72%
Lake Michigan Credit Union 6, -0.17% 10.42%
Citizens Bank 7, -0.17% 0.89%
Huntington National Bank 8, -0.17% 1.81%
Pnc Bank 9, -0.14% 1.28%
Ruoff Home Mortgage 10, -0.13% 3.09%
OMNI Community Credit Union 11, -0.13% 0.91%
Arbor Financial Credit Union 12, -0.12% 3.87%
Old National Bank 13, -0.11% 0.66%
Member First Mortgage 14, -0.10% 0.47%
Michigan State University Federal Credit Union 15, -0.09% 0.45%
Freedom Mortgage Corporation 16, -0.09% 0.59%
Horizon Bank 17, -0.09% 2.23%
Wells Fargo Bank 18, -0.09% 1.26%
Home Point Financial Corporation 19, -0.08% 0.40%
Pacor Mortgage Corp 20, -0.08% 1.15%
Bank of America 21, -0.08% 0.42%
Usaa Federal Savings Bank 22, -0.07% 1.15%
County National Bank 23, -0.07% 0.30%
Independent Bank 24, -0.06% 0.96%
Mercantile Bank Of Michigan 25, -0.04% 0.75%
Guaranteed Rate Inc 26, -0.04% 0.42%
Cardinal Financial Company LP 27, -0.03% 0.42%
Mortgage 1 Incorporated 28, -0.02% 0.94%
Caliber Home Loans Inc 29, -0.02% 0.36%
Neighborhood Loans 30, -0.02% 0.59%
Union Home Mortgage Company 31, -0.02% 1.51%
Newrez 32, -0.02% 0.02%
Mortgage Center 33, -0.01% 2.47%
LoanDepot 34, -0.00% 0.28%
Nationstar Mortgage 35, -0.00% 0.17%
Northpointe Bank 36, -0.00% 0.91%
Summit Home Mortgage 37, -0.00% 2.25%
Cherry Creek Mortgage Co Inc 38, 0.00% 0.66%
Flagstar Bank 39, 0.00% 3.70%
Chemecal Bank 40, 0.01% 1.21%
Consumers Credit Union 41, 0.01% 8.96%
Carrington Mortgage Services 42, 0.01% 0.15%
Quicken Loans 43, 0.02% 5.23%
United Federal Credit Union 44, 0.02% 0.36%
Finance of America Mortgage 45, 0.04% 0.51%
Kellogg Community Credit Union 46, 0.04% 3.49%
Primelending 47, 0.05% 3.55%
Honor Credit Union 48, 0.15% 3.23%
Success Mortgage Partners Inc 49, 0.32% 5.76%
Amerifirst Financial Corporation 50, 0.35% 10.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arbor Financial Credit Union 1, -0.26% 10.51%
Lake Michigan Credit Union 2, -0.16% 5.97%
Pacor Mortgage Corp 3, -0.16% 1.26%
Ruoff Home Mortgage 4, -0.09% 0.91%
Huntington National Bank 5, -0.08% 2.14%
Home Point Financial Corporation 6, -0.07% 0.66%
Fifth Third Bank, National Association 7, -0.07% 7.85%
Pnc Bank 8, -0.06% 4.03%
TCF National Bank 9, -0.06% 1.51%
Michigan State University Federal Credit Union 10, -0.05% 0.29%
Mercantile Bank Of Michigan 11, -0.04% 0.91%
Member First Mortgage 12, -0.04% 0.20%
Northpointe Bank 13, -0.04% 1.09%
Usaa Federal Savings Bank 14, -0.03% 0.34%
Honor Credit Union 15, -0.03% 2.17%
OMNI Community Credit Union 16, -0.03% 0.71%
Navy Federal Credit Union 17, -0.02% 0.26%
Citizens Bank 18, -0.01% 0.57%
Old National Bank 19, -0.01% 1.86%
Guaranteed Rate Inc 20, -0.01% 0.29%
Newrez 21, -0.00% 0.94%
Horizon Bank 22, -0.00% 0.94%
Carrington Mortgage Services 23, -0.00% 1.17%
LoanDepot 24, -0.00% 1.46%
County National Bank 25, -0.00% 0.49%
Primelending 26, 0.00% 0.83%
Amerifirst Financial Corporation 27, 0.00% 4.00%
Finance of America Mortgage 28, 0.01% 0.11%
Bank of America 29, 0.01% 0.40%
Cherry Creek Mortgage Co Inc 30, 0.01% 0.06%
Union Home Mortgage Company 31, 0.01% 0.51%
Cardinal Financial Company LP 32, 0.01% 0.40%
Marshall Community Credit Union 33, 0.02% 3.37%
Mortgage 1 Incorporated 34, 0.02% 0.09%
JPMorgan Chase Bank 35, 0.02% 1.29%
Independent Bank 36, 0.03% 0.63%
United Federal Credit Union 37, 0.03% 0.34%
Caliber Home Loans Inc 38, 0.03% 0.60%
Neighborhood Loans 39, 0.04% 0.14%
Kellogg Community Credit Union 40, 0.04% 2.97%
Summit Home Mortgage 41, 0.05% 0.51%
Flagstar Bank 42, 0.07% 0.86%
Mortgage Center 43, 0.08% 3.51%
Success Mortgage Partners Inc 44, 0.09% 1.46%
Freedom Mortgage Corporation 45, 0.10% 0.83%
Wells Fargo Bank 46, 0.13% 1.66%
Chemecal Bank 47, 0.13% 1.00%
Quicken Loans 48, 0.15% 15.82%
Consumers Credit Union 49, 0.17% 8.91%
Nationstar Mortgage 50, 0.20% 1.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arbor Financial Credit Union 1, -0.21% 8.27%
Fifth Third Bank, National Association 2, -0.14% 6.89%
Lake Michigan Credit Union 3, -0.14% 9.62%
TCF National Bank 4, -0.11% 1.12%
Pacor Mortgage Corp 5, -0.11% 1.40%
JPMorgan Chase Bank 6, -0.11% 1.71%
Ruoff Home Mortgage 7, -0.09% 1.70%
Huntington National Bank 8, -0.09% 1.98%
Pnc Bank 9, -0.08% 2.91%
Marshall Community Credit Union 10, -0.08% 3.07%
Home Point Financial Corporation 11, -0.08% 0.32%
OMNI Community Credit Union 12, -0.08% 1.06%
Michigan State University Federal Credit Union 13, -0.06% 0.49%
Old National Bank 14, -0.05% 1.34%
Horizon Bank 15, -0.04% 1.85%
Bank of America 16, -0.04% 0.51%
Mercantile Bank Of Michigan 17, -0.03% 1.00%
Mortgage 1 Incorporated 18, -0.03% 0.42%
Member First Mortgage 19, -0.03% 0.17%
County National Bank 20, -0.02% 0.48%
Newrez 21, -0.02% 0.28%
Independent Bank 22, -0.02% 0.94%
Citizens Bank 23, -0.02% 0.48%
Guaranteed Rate Inc 24, -0.02% 0.41%
Usaa Federal Savings Bank 25, -0.01% 0.36%
Northpointe Bank 26, -0.01% 0.97%
LoanDepot 27, 0.00% 0.39%
Cardinal Financial Company LP 28, 0.01% 0.15%
Wells Fargo Bank 29, 0.02% 1.69%
Summit Home Mortgage 30, 0.03% 1.56%
Neighborhood Loans 31, 0.03% 0.31%
Union Home Mortgage Company 32, 0.03% 1.02%
Carrington Mortgage Services 33, 0.03% 0.25%
Navy Federal Credit Union 34, 0.04% 0.23%
United Federal Credit Union 35, 0.04% 0.45%
Caliber Home Loans Inc 36, 0.04% 0.35%
Flagstar Bank 37, 0.04% 2.19%
Kellogg Community Credit Union 38, 0.06% 4.19%
Finance of America Mortgage 39, 0.06% 0.38%
Freedom Mortgage Corporation 40, 0.07% 0.28%
Mortgage Center 41, 0.07% 3.05%
Cherry Creek Mortgage Co Inc 42, 0.07% 0.29%
Chemecal Bank 43, 0.08% 1.19%
Primelending 44, 0.09% 2.08%
Consumers Credit Union 45, 0.09% 10.90%
Honor Credit Union 46, 0.11% 3.37%
Amerifirst Financial Corporation 47, 0.20% 6.09%
Quicken Loans 48, 0.21% 7.50%
Success Mortgage Partners Inc 49, 0.23% 1.92%
Nationstar Mortgage 50, 0.25% 0.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.23% 5.29%
Marshall Community Credit Union 2, -0.21% 2.38%
JPMorgan Chase Bank 3, -0.18% 1.92%
TCF National Bank 4, -0.17% 0.82%
Lake Michigan Credit Union 5, -0.13% 12.09%
Pnc Bank 6, -0.12% 1.53%
OMNI Community Credit Union 7, -0.11% 1.23%
Arbor Financial Credit Union 8, -0.10% 5.24%
Old National Bank 9, -0.10% 0.82%
Huntington National Bank 10, -0.10% 1.79%
Ruoff Home Mortgage 11, -0.09% 2.28%
Pacor Mortgage Corp 12, -0.07% 1.36%
Michigan State University Federal Credit Union 13, -0.07% 0.61%
Wells Fargo Bank 14, -0.07% 1.59%
Bank of America 15, -0.07% 0.54%
Horizon Bank 16, -0.05% 2.51%
County National Bank 17, -0.05% 0.41%
Independent Bank 18, -0.04% 1.10%
Mortgage 1 Incorporated 19, -0.04% 0.69%
Home Point Financial Corporation 20, -0.03% 0.20%
Mercantile Bank Of Michigan 21, -0.02% 0.95%
Guaranteed Rate Inc 22, -0.02% 0.51%
Usaa Federal Savings Bank 23, -0.02% 0.56%
Citizens Bank 24, -0.01% 0.36%
Member First Mortgage 25, -0.01% 0.15%
Nationstar Mortgage 26, 0.00% 0.05%
Caliber Home Loans Inc 27, 0.02% 0.31%
LoanDepot 28, 0.02% 0.10%
Summit Home Mortgage 29, 0.02% 2.30%
Cardinal Financial Company LP 30, 0.02% 0.13%
Neighborhood Loans 31, 0.03% 0.41%
Northpointe Bank 32, 0.03% 0.92%
Flagstar Bank 33, 0.03% 3.30%
Chemecal Bank 34, 0.03% 1.36%
Freedom Mortgage Corporation 35, 0.04% 0.31%
Carrington Mortgage Services 36, 0.04% 0.08%
Union Home Mortgage Company 37, 0.04% 1.36%
Consumers Credit Union 38, 0.04% 11.25%
United Federal Credit Union 39, 0.04% 0.49%
Mortgage Center 40, 0.05% 2.63%
Navy Federal Credit Union 41, 0.05% 0.31%
Kellogg Community Credit Union 42, 0.06% 4.70%
Cherry Creek Mortgage Co Inc 43, 0.07% 0.49%
Finance of America Mortgage 44, 0.07% 0.56%
Primelending 45, 0.11% 3.07%
Quicken Loans 46, 0.11% 4.50%
Honor Credit Union 47, 0.17% 3.99%
Success Mortgage Partners Inc 48, 0.27% 2.58%
Amerifirst Financial Corporation 49, 0.28% 7.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arbor Financial Credit Union 1, -0.26% 12.26%
Lake Michigan Credit Union 2, -0.17% 6.36%
Pacor Mortgage Corp 3, -0.16% 1.45%
Home Point Financial Corporation 4, -0.11% 0.47%
Ruoff Home Mortgage 5, -0.10% 0.94%
Huntington National Bank 6, -0.08% 2.22%
Fifth Third Bank, National Association 7, -0.07% 8.99%
TCF National Bank 8, -0.07% 1.52%
Pnc Bank 9, -0.06% 4.71%
Member First Mortgage 10, -0.05% 0.20%
Michigan State University Federal Credit Union 11, -0.05% 0.34%
Northpointe Bank 12, -0.05% 1.04%
Mercantile Bank Of Michigan 13, -0.04% 1.08%
Honor Credit Union 14, -0.03% 2.56%
OMNI Community Credit Union 15, -0.03% 0.84%
Amerifirst Financial Corporation 16, -0.02% 3.70%
Citizens Bank 17, -0.02% 0.64%
Newrez 18, -0.01% 0.64%
Old National Bank 19, -0.01% 2.02%
Guaranteed Rate Inc 20, -0.01% 0.27%
Navy Federal Credit Union 21, -0.01% 0.13%
Horizon Bank 22, -0.01% 0.98%
Usaa Federal Savings Bank 23, -0.01% 0.10%
Primelending 24, -0.00% 0.77%
County National Bank 25, -0.00% 0.57%
LoanDepot 26, 0.00% 0.77%
Finance of America Mortgage 27, 0.01% 0.13%
Cardinal Financial Company LP 28, 0.01% 0.17%
Bank of America 29, 0.01% 0.47%
Union Home Mortgage Company 30, 0.01% 0.57%
Marshall Community Credit Union 31, 0.02% 3.97%
Cherry Creek Mortgage Co Inc 32, 0.02% 0.03%
JPMorgan Chase Bank 33, 0.02% 1.45%
Mortgage 1 Incorporated 34, 0.03% 0.07%
Independent Bank 35, 0.03% 0.74%
United Federal Credit Union 36, 0.03% 0.40%
Neighborhood Loans 37, 0.04% 0.17%
Carrington Mortgage Services 38, 0.04% 0.47%
Kellogg Community Credit Union 39, 0.04% 3.50%
Summit Home Mortgage 40, 0.05% 0.57%
Caliber Home Loans Inc 41, 0.06% 0.40%
Flagstar Bank 42, 0.09% 0.74%
Success Mortgage Partners Inc 43, 0.10% 1.04%
Mortgage Center 44, 0.10% 3.60%
Freedom Mortgage Corporation 45, 0.12% 0.24%
Wells Fargo Bank 46, 0.13% 1.82%
Chemecal Bank 47, 0.15% 0.98%
Consumers Credit Union 48, 0.17% 10.44%
Quicken Loans 49, 0.26% 11.45%
Nationstar Mortgage 50, 0.27% 0.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Lake Michigan Credit Union 1, -0.46% 4.19%
Huntington National Bank 2, -0.33% 2.20%
Consumers Credit Union 3, -0.29% 2.06%
Citizens Bank 4, -0.28% 2.42%
Horizon Bank 5, -0.24% 1.25%
Ruoff Home Mortgage 6, -0.22% 4.85%
Fifth Third Bank, National Association 7, -0.21% 2.86%
Mortgage Center 8, -0.19% 2.57%
Member First Mortgage 9, -0.17% 1.40%
Pnc Bank 10, -0.17% 0.51%
Quicken Loans 11, -0.16% 17.11%
Union Home Mortgage Company 12, -0.15% 1.47%
Home Point Financial Corporation 13, -0.15% 1.10%
TCF National Bank 14, -0.13% 0.59%
Freedom Mortgage Corporation 15, -0.13% 1.84%
Cherry Creek Mortgage Co Inc 16, -0.12% 0.88%
Neighborhood Loans 17, -0.11% 0.88%
Newrez 18, -0.10% 0.66%
Caliber Home Loans Inc 19, -0.10% 0.81%
Mercantile Bank Of Michigan 20, -0.09% 0.22%
Carrington Mortgage Services 21, -0.09% 1.54%
Cardinal Financial Company LP 22, -0.09% 1.25%
Pacor Mortgage Corp 23, -0.09% 0.29%
Bank of America 24, -0.08% 0.07%
Chemecal Bank 25, -0.08% 0.66%
Northpointe Bank 26, -0.08% 0.66%
LoanDepot 27, -0.08% 1.76%
Summit Home Mortgage 28, -0.07% 1.62%
Flagstar Bank 29, -0.07% 4.11%
Independent Bank 30, -0.07% 0.22%
Guaranteed Rate Inc 31, -0.07% 0.22%
JPMorgan Chase Bank 32, -0.06% 0.07%
Finance of America Mortgage 33, -0.05% 0.15%
Primelending 34, -0.04% 2.94%
Nationstar Mortgage 35, -0.04% 1.10%
Mortgage 1 Incorporated 36, -0.04% 1.54%
Honor Credit Union 37, 0.06% 1.10%
Success Mortgage Partners Inc 38, 0.33% 14.17%
Amerifirst Financial Corporation 39, 0.42% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Lake Michigan Credit Union 1, -0.51% 5.14%
Huntington National Bank 2, -0.41% 2.19%
Consumers Credit Union 3, -0.32% 2.57%
Citizens Bank 4, -0.31% 3.04%
Horizon Bank 5, -0.27% 1.52%
Freedom Mortgage Corporation 6, -0.27% 1.43%
Ruoff Home Mortgage 7, -0.25% 5.90%
Fifth Third Bank, National Association 8, -0.25% 3.43%
Mortgage Center 9, -0.25% 2.47%
Quicken Loans 10, -0.22% 7.52%
Home Point Financial Corporation 11, -0.21% 0.95%
Member First Mortgage 12, -0.20% 1.71%
Pnc Bank 13, -0.20% 0.67%
Union Home Mortgage Company 14, -0.19% 1.81%
TCF National Bank 15, -0.18% 0.48%
Cherry Creek Mortgage Co Inc 16, -0.15% 1.05%
Caliber Home Loans Inc 17, -0.15% 0.48%
Neighborhood Loans 18, -0.14% 1.14%
Cardinal Financial Company LP 19, -0.13% 1.24%
Chemecal Bank 20, -0.13% 0.57%
Mercantile Bank Of Michigan 21, -0.12% 0.29%
Pacor Mortgage Corp 22, -0.11% 0.38%
Bank of America 23, -0.11% 0.10%
Northpointe Bank 24, -0.11% 0.86%
Summit Home Mortgage 25, -0.10% 2.09%
Flagstar Bank 26, -0.10% 5.14%
Independent Bank 27, -0.10% 0.29%
Newrez 28, -0.09% 0.10%
JPMorgan Chase Bank 29, -0.09% 0.10%
Guaranteed Rate Inc 30, -0.09% 0.19%
Finance of America Mortgage 31, -0.08% 0.19%
LoanDepot 32, -0.08% 0.76%
Nationstar Mortgage 33, -0.08% 0.48%
Carrington Mortgage Services 34, -0.08% 0.29%
Primelending 35, -0.07% 3.71%
Mortgage 1 Incorporated 36, -0.06% 1.90%
Honor Credit Union 37, 0.03% 1.43%
Success Mortgage Partners Inc 38, 0.32% 17.22%
Amerifirst Financial Corporation 39, 0.44% 19.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.05% 2.25%
Quicken Loans 2, -0.05% 49.52%
Mortgage Center 3, -0.02% 2.89%
Newrez 4, -0.01% 2.57%
TCF National Bank 5, -0.01% 0.96%
Carrington Mortgage Services 6, -0.00% 5.79%
LoanDepot 7, 0.00% 5.14%
Citizens Bank 8, 0.01% 0.32%
Consumers Credit Union 9, 0.01% 0.32%
Ruoff Home Mortgage 10, 0.01% 1.29%
Home Point Financial Corporation 11, 0.01% 1.61%
Caliber Home Loans Inc 12, 0.01% 1.93%
Cherry Creek Mortgage Co Inc 13, 0.01% 0.32%
Guaranteed Rate Inc 14, 0.01% 0.32%
Lake Michigan Credit Union 15, 0.02% 0.96%
Fifth Third Bank, National Association 16, 0.02% 0.96%
Member First Mortgage 17, 0.02% 0.32%
Union Home Mortgage Company 18, 0.02% 0.32%
Horizon Bank 19, 0.02% 0.32%
Flagstar Bank 20, 0.02% 0.64%
Mortgage 1 Incorporated 21, 0.03% 0.32%
Primelending 22, 0.03% 0.32%
Chemecal Bank 23, 0.05% 0.96%
Nationstar Mortgage 24, 0.06% 3.22%
Cardinal Financial Company LP 25, 0.07% 1.29%
Freedom Mortgage Corporation 26, 0.13% 3.22%
Amerifirst Financial Corporation 27, 0.14% 8.04%
Success Mortgage Partners Inc 28, 0.16% 3.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Old National Bank 1, -0.02% 11.11%
Huntington National Bank 2, -0.01% 1.39%
Lake Michigan Credit Union 3, -0.01% 34.72%
Fifth Third Bank, National Association 4, -0.01% 5.56%
TCF National Bank 5, -0.01% 4.17%
Arbor Financial Credit Union 6, -0.00% 5.56%
JPMorgan Chase Bank 7, -0.00% 5.56%
Guaranteed Rate Inc 8, -0.00% 1.39%
Wells Fargo Bank 9, 0.01% 9.72%
Independent Bank 10, 0.01% 2.78%
Pnc Bank 11, 0.01% 1.39%
Kellogg Community Credit Union 12, 0.01% 1.39%
Horizon Bank 13, 0.02% 4.17%
Northpointe Bank 14, 0.03% 5.56%
Consumers Credit Union 15, 0.06% 5.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.02% 6.06%
Old National Bank 2, -0.02% 9.09%
Huntington National Bank 3, -0.02% 3.03%
JPMorgan Chase Bank 4, -0.02% 6.06%
Lake Michigan Credit Union 5, -0.01% 45.45%
Wells Fargo Bank 6, 0.01% 9.09%
Independent Bank 7, 0.01% 6.06%
Kellogg Community Credit Union 8, 0.01% 3.03%
Consumers Credit Union 9, 0.06% 12.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Old National Bank 1, -0.02% 12.82%
Lake Michigan Credit Union 2, -0.02% 25.64%
TCF National Bank 3, -0.00% 7.69%
Arbor Financial Credit Union 4, -0.00% 10.26%
Guaranteed Rate Inc 5, 0.00% 2.56%
Fifth Third Bank, National Association 6, 0.00% 5.13%
JPMorgan Chase Bank 7, 0.01% 5.13%
Wells Fargo Bank 8, 0.01% 10.26%
Pnc Bank 9, 0.02% 2.56%
Horizon Bank 10, 0.02% 7.69%
Northpointe Bank 11, 0.03% 10.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.23% 7.42%
Usaa Federal Savings Bank 2, -0.07% 9.90%
Consumers Credit Union 3, -0.04% 1.03%
Carrington Mortgage Services 4, -0.04% 2.27%
Lake Michigan Credit Union 5, -0.03% 3.51%
Ruoff Home Mortgage 6, -0.03% 2.68%
Union Home Mortgage Company 7, -0.03% 1.65%
Neighborhood Loans 8, -0.03% 0.62%
TCF National Bank 9, -0.03% 0.62%
Northpointe Bank 10, -0.03% 1.24%
Mortgage Center 11, -0.02% 1.86%
Horizon Bank 12, -0.02% 0.82%
Caliber Home Loans Inc 13, -0.02% 1.03%
Home Point Financial Corporation 14, -0.02% 1.44%
Wells Fargo Bank 15, -0.02% 0.41%
Pnc Bank 16, -0.02% 0.21%
Chemecal Bank 17, -0.02% 1.65%
Finance of America Mortgage 18, -0.01% 0.62%
Fifth Third Bank, National Association 19, -0.01% 0.82%
Cardinal Financial Company LP 20, -0.01% 1.86%
Member First Mortgage 21, -0.01% 0.21%
LoanDepot 22, -0.01% 3.09%
Huntington National Bank 23, -0.01% 0.82%
Citizens Bank 24, -0.00% 0.21%
Primelending 25, -0.00% 7.01%
Cherry Creek Mortgage Co Inc 26, 0.00% 1.03%
Flagstar Bank 27, 0.00% 3.92%
Independent Bank 28, 0.01% 0.62%
Nationstar Mortgage 29, 0.01% 0.82%
Pacor Mortgage Corp 30, 0.02% 1.03%
Freedom Mortgage Corporation 31, 0.03% 3.30%
Mortgage 1 Incorporated 32, 0.03% 0.62%
Quicken Loans 33, 0.03% 16.91%
Summit Home Mortgage 34, 0.04% 1.65%
Newrez 35, 0.04% 1.24%
Success Mortgage Partners Inc 36, 0.09% 6.39%
Amerifirst Financial Corporation 37, 0.18% 9.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.25% 10.20%
Usaa Federal Savings Bank 2, -0.07% 12.83%
Consumers Credit Union 3, -0.05% 1.32%
Lake Michigan Credit Union 4, -0.03% 3.29%
Ruoff Home Mortgage 5, -0.03% 4.28%
Freedom Mortgage Corporation 6, -0.03% 1.32%
Union Home Mortgage Company 7, -0.03% 2.63%
Neighborhood Loans 8, -0.03% 0.99%
Caliber Home Loans Inc 9, -0.03% 0.66%
Chemecal Bank 10, -0.02% 1.64%
Horizon Bank 11, -0.02% 1.32%
Mortgage Center 12, -0.02% 0.66%
Wells Fargo Bank 13, -0.02% 0.66%
TCF National Bank 14, -0.02% 0.33%
Pnc Bank 15, -0.02% 0.33%
Finance of America Mortgage 16, -0.01% 0.99%
Member First Mortgage 17, -0.01% 0.33%
Northpointe Bank 18, -0.00% 0.99%
Huntington National Bank 19, -0.00% 0.66%
Fifth Third Bank, National Association 20, -0.00% 0.33%
LoanDepot 21, -0.00% 0.99%
Citizens Bank 22, -0.00% 0.33%
Primelending 23, 0.00% 9.54%
Cherry Creek Mortgage Co Inc 24, 0.00% 1.64%
Home Point Financial Corporation 25, 0.01% 0.99%
Flagstar Bank 26, 0.01% 4.28%
Independent Bank 27, 0.01% 0.99%
Cardinal Financial Company LP 28, 0.01% 1.32%
Carrington Mortgage Services 29, 0.01% 0.66%
Quicken Loans 30, 0.02% 7.24%
Nationstar Mortgage 31, 0.03% 0.66%
Pacor Mortgage Corp 32, 0.03% 1.32%
Mortgage 1 Incorporated 33, 0.03% 0.99%
Summit Home Mortgage 34, 0.04% 2.30%
Success Mortgage Partners Inc 35, 0.13% 7.57%
Amerifirst Financial Corporation 36, 0.20% 13.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.06% 4.97%
Carrington Mortgage Services 2, -0.06% 4.97%
Navy Federal Credit Union 3, -0.05% 2.76%
Northpointe Bank 4, -0.05% 1.66%
Home Point Financial Corporation 5, -0.04% 2.21%
TCF National Bank 6, -0.04% 1.10%
Lake Michigan Credit Union 7, -0.04% 3.87%
Cardinal Financial Company LP 8, -0.04% 2.76%
Success Mortgage Partners Inc 9, -0.03% 4.42%
Mortgage Center 10, -0.03% 3.87%
Fifth Third Bank, National Association 11, -0.02% 1.66%
Caliber Home Loans Inc 12, -0.02% 1.66%
Consumers Credit Union 13, -0.02% 0.55%
Huntington National Bank 14, -0.01% 1.10%
LoanDepot 15, -0.01% 6.63%
Flagstar Bank 16, -0.01% 3.31%
Pacor Mortgage Corp 17, -0.01% 0.55%
Nationstar Mortgage 18, -0.01% 1.10%
Primelending 19, -0.00% 2.76%
Chemecal Bank 20, -0.00% 1.66%
Amerifirst Financial Corporation 21, 0.00% 2.76%
Summit Home Mortgage 22, 0.02% 0.55%
Newrez 23, 0.03% 3.31%
Quicken Loans 24, 0.04% 33.15%
Freedom Mortgage Corporation 25, 0.05% 6.63%

* Data is compiled for the Portage, MI commuting zone area, which comprises of counties of Branch County, MI, Calhoun County, MI, Kalamazoo County, MI, St. Joseph County, MI, and Van Buren County, MI. This includes cities/towns/communities of Portage, MI as well as Battle Creek, MI, Kalamazoo, MI, Vicksburg, MI, Comstock Northwest, MI, Richland, MI, Three Rivers, MI, South Haven, MI, Galesburg, MI, Coldwater, MI, Marshall, MI, Westwood, MI, Lawton, MI, Mattawan, MI, Sturgis, MI, Augusta, MI, Paw Paw, MI, Gobles, MI, Centreville, MI, Schoolcraft, MI, Level Park-Oak Park, MI, Decatur, MI, Breedsville, MI, Quincy, MI, Climax, MI, Bangor, MI, Constantine, MI, Lawrence, MI, Union City, MI, White Pigeon, MI, Springfield, MI, Albion, MI, Bronson, MI, Tekonsha, MI, Union City, MI, Homer, MI, Sherwood, MI, Burr Oak, MI, Parchment, MI, Mendon, MI, Hartford, MI, and Brownlee Park, MI. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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